Leader
59%of answers name it
The most visible European neobanks in United Kingdom, October 2026
AI: how the engines answer the board's questions; Search: Google's top 10 for the questions' demand keywords; All: both combined. How the Heralded Score works.
Most cited source
7citations
From Google AI Mode and Gemini
Where engines disagree most
2/4engines put it in their top three
Top three on Google AI Mode and Gemini, not on Google AI Overviews and ChatGPT
Brands
| Rank | Brand | Rank change | Heralded Score | Score trend | Mentioned | Recommended | By engine | Mentioned by | Change |
|---|---|---|---|---|---|---|---|---|---|
| 1 | | New entry | 75 , range 47–82 | 75
| 59% | 34% | | First reading | |
| 2 | | New entry | 66 , range 46–81 | 66
| 54% | 36% | | First reading | |
| 3 | | New entry | 55 , range 27–70 | 55
| 37% | 20% | | First reading | |
| 4 | | New entry | 53 , range 27–67 | 53
| 32% | 19% | | First reading | |
| 5 | | New entry | 43 , range 20–58 | 43
| 25% | 11% | | First reading | |
| 6 | | New entry | 42 , range 24–64 | 42
| 31% | 14% | | First reading | |
| 7 | | New entry | 9 , range 2–46 | 9
| 6% | 3% | None | First reading | |
| 8 | | New entry | 6 , range 1–45 | 6
| 6% | 0% | | First reading | |
| – | | Unranked | Too few answers | –
| 0% | 0% | None | First reading | |
| – | | Unranked | Too few answers | –
| 0% | 0% | None | First reading |
“=” marks brands whose score ranges overlap, so the test cannot separate them. Every brand named in at least three answers is ranked. By engine has one dot per engine (ChatGPT, Google AI Overviews, Gemini and Google AI Mode), darker the more often it names the brand.
This month's moves
First reading. No comparable previous month yet.
Most cited sources
| Rank | Source | Type | Cited in | Engines | Pages cited | Brands its pages mention |
|---|---|---|---|---|---|---|
| 1 | | Vendor site | 11.7% | 2 of 4 | 3 | 5 |
| 2 | Withheld. Run a full Snapshot to see it. | |||||
| 3 | Withheld. Run a full Snapshot to see it. | |||||
| 4 | | Vendor site | 3.3% | 2 of 4 | 4 | Not read |
| 5 | | Vendor site | 5.0% | 2 of 4 | 2 | 9 |
| 6 | Withheld. Run a full Snapshot to see it. | |||||
| 7 | Withheld. Run a full Snapshot to see it. | |||||
| 8 | | Vendor site | 3.3% | 2 of 4 | 2 | Not read |
| 9 | Withheld. Run a full Snapshot to see it. | |||||
| 10 | Withheld. Run a full Snapshot to see it. | |||||
The questions, and who wins each
| Question | Language | Wins it |
|---|---|---|
| best neobank for everyday banking in europe | English | |
| mobile banking for people living in europe | English | |
| best digital bank for european residents who travel | English | |
| how can i manage my money across european countries | English | |
| how to pay bills and track spending from my phone | English | |
Each engine's top three
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Method
For the AI side, each month Heralded asks every engine the same buyer questions, twice each, and reads every answer. An answer counts 0 for a brand it leaves out, 50 for a brand it names and 100 for a brand it recommends, and the Heralded Score is built from those. A brand named in at least three answers gets a score and a place.